TWM650875U - dividend calculation system - Google Patents

Abstract

A dividend calculation system includes a storage unit and a processing unit. The storage unit stores an inventory data corresponding to an investor's securities account, and a plurality of underlying data each corresponding to an issuer and including a historical ex-dividend record, wherein the inventory data includes a number corresponding to the underlying data. One of the target data includes inventory details of an inventory quantity. The processing unit determines whether the target data contains a forecast dividend value. If it is determined that it does not contain the forecast dividend value, the processing unit at least calculates a forecast dividend result based on the inventory quantity and the historical ex-dividend record of the target data. , if it is determined that the forecast dividend value is included, the processing unit calculates an actual dividend result based on the inventory quantity and the forecast dividend value.

Description

dividend calculation system

The present invention relates to a calculation system, in particular to a dividend calculation system for calculating dividends.

Stocks and index stock funds (also called ETFs) are quite popular investment targets in modern society. Many stocks and ETFs will carry out ex-rights or ex-dividends to distribute dividends to investors, and the amount of dividends distributed each time is determined by the stock or ETF. The issuing institution shall announce in advance the selected date.

However, for different investment targets, they may only announce the next dividend distribution every few months to a year. Therefore, if the issuer has not announced the next dividend data, it will be difficult for investors to predict the next dividend. It is inconvenient to carry out relevant financial planning in advance.

Therefore, one purpose of the present invention is to provide a dividend calculation system that can estimate how much dividends investors will receive, thereby improving the inconveniences of the existing technology.

The new dividend calculation system is suitable for cooperating with a client electronic device for use by an investor, and includes a storage unit and a processing unit. The storage unit stores a stock data corresponding to an investor's securities account, and a plurality of underlying data each corresponding to an issuer and including a historical ex-dividend record, wherein the stock data includes a number corresponding to the subject data. One of the target data includes inventory details of an inventory quantity. The processing unit is electrically connected to the storage unit, and is adapted to be electrically connected to the user electronic device. The processing unit determines whether the target data includes a forecast dividend value announced by the corresponding issuer. If the processing unit determines that the target data does not include the forecast dividend value, the processing unit at least calculates a forecast dividend result based on the inventory quantity and the historical ex-dividend record of the target data, and sends the forecast dividend result to The user electronic device. If the processing unit determines that the target data includes the forecast dividend value, the processing unit calculates an actual dividend result based on the inventory quantity and the forecast dividend value, and transmits the actual dividend result to the user electronic device.

In some implementations of the new dividend calculation system, each target data also corresponds to an investment target, and each historical ex-dividend record includes one or more historical dividend values, and if the target data corresponds to the The investment target is stocks, and the processing unit calculates the predicted dividend result based on the historical dividend value(s) of the historical ex-dividend record of the target target data and a historical earnings per share. If the investment corresponding to the target target data The target is an index stock fund, and the processing unit calculates a predicted yield rate based on at least the historical dividend value(s) of the historical ex-dividend record of the target target data, and then calculates the predicted dividend result based on the predicted yield rate.

In some implementations of the new dividend calculation system, the inventory data includes multiple inventory details, each inventory detail corresponds to one of the target data and includes an inventory quantity, and, for each item, An inventory detail. The processing unit determines whether the target data corresponding to the inventory detail includes a forecast dividend value announced by the corresponding issuer. If the judgment result is no, it is based on the inventory quantity of the inventory detail and the The historical ex-dividend record of the target data is used to calculate a forecast dividend result corresponding to the inventory details, and if the judgment result is yes, a corresponding forecast dividend result is calculated based on the inventory quantity of the inventory details and the forecast dividend value of the target data. Regarding the actual dividend results of the inventory details, the processing unit also calculates an estimated total amount of dividends to be recorded based on the predicted dividend results(s) and/or the actual dividend results(s) respectively corresponding to the inventory details, and The estimated total amount of dividends to be booked is transmitted to the user electronic device.

In some implementations of the new dividend calculation system, before determining whether the target data contains the forecast dividend value, the processing unit also first determines whether the inventory data is in a settled status corresponding to the current trading day. After determining that the inventory data is in a settled status, it is determined whether the target data contains the forecast dividend value.

In some implementation aspects of the new dividend calculation system, after calculating the actual dividend result, the processing unit also transmits a pair of recommended target lists of the actual dividend results to the user electronic device, and the recommended target list indicates Output one or more recommended targets respectively corresponding to one or more of the target data, and if the processing unit receives a reservation order instruction from the user electronic device indicating a designated target, the processing After the dividend account corresponding to the actual dividend result is transferred to an investor's financial account related to the investor's securities account, the unit uses the funds in the investor's financial account to automatically execute an instruction corresponding to the scheduled order. And it is used to automatically place orders using the investor’s securities account to purchase the specified target.

The function of this new model is that by implementing the dividend calculation method, the dividend calculation system can determine that the target data does not contain the forecast dividend value (that is, it is not yet possible to determine how much the corresponding investment target will allocate next time). Dividends), at least calculate the predicted dividend results based on the inventory quantity and the historical ex-dividend record, and then calculate the total amount of expected dividends for the investor’s reference. In this way, even if the investment held by the investor The target has not yet announced how much dividends will be distributed next. This embodiment can also estimate the upcoming dividends based on investors' stocks, which is helpful for investors to make relevant financial planning in advance.

Before the present invention is described in detail, it should be noted that, unless otherwise defined, the term "electrically connected" described in this patent specification is used to describe computer hardware (such as electronic systems, equipment, devices, units). , components), and generally refers to the "wired electrical connection" between multiple computer hardware that are physically connected to each other through conductor/semiconductor materials, and the use of wireless communication technologies (such as but not Limited to wireless networks, Bluetooth and electromagnetic induction, etc.) to achieve "radio connection" for wireless data transmission. On the other hand, unless otherwise defined, the "electrical connection" described in this patent specification also generally refers to the "direct electrical connection" achieved by direct coupling between multiple computer hardware components, as well as the "direct electrical connection" between multiple computer hardware components. There is an "indirect electrical connection" achieved through indirect coupling of other computer hardware.

Before the present invention is described in detail, it should be noted that the "unit" mentioned in this patent specification represents computer hardware rather than software. For example, "processing unit" is used to represent a computer with data processing functions. Hardware or a combination of computer hardware.

Referring to FIG. 1 , an embodiment of the new dividend calculation system 100 belongs to, for example, a securities institution, and the dividend calculation system 100 is suitable for cooperating with a client electronic device 3 that can be used by an investor.

In the application of this embodiment, the user electronic device 3 is, for example, a smartphone. However, in similar applications, the user electronic device 3 can also be a tablet computer, a notebook computer or a desktop computer. type computer. It should be added that this embodiment can actually cooperate with multiple user-end electronic devices 3 at the same time. However, for ease of understanding, this embodiment will only be described below using the user-end electronic device 3 shown in FIG. 1 .

The dividend calculation system 100 includes a storage unit 1 and a processing unit 2 electrically connected to the storage unit 1, wherein the processing unit 2 is suitable for electrically connecting to the user electronic device 3 through a network.

More specifically, in this embodiment, the dividend calculation system 100 is a servo device, the processing unit 2 is a processor implemented with an integrated circuit and has data operation and instruction sending and receiving functions, and the storage unit 1 is A data storage device (such as a hard drive, or other type of computer-readable recording medium) used to store digital data. However, in similar implementations, the processing unit 2 may also be a processing circuit including a processor, and the storage unit 1 may also be a collection of multiple storage devices of the same or different types. Further, in other embodiments, the dividend calculation system 100 can also be implemented as a plurality of servo devices that are electrically connected to each other. In this case, the processing unit 2 can be implemented as as many as each of the servo devices. A set of processors/processing circuits, and the storage unit 1 can be implemented as a set of multiple storage devices respectively owned by the server devices. Therefore, the actual implementation of the dividend calculation system 100 in terms of computer hardware is not limited to this embodiment.

The storage unit 1 stores inventory data 11 corresponding to an investor's securities account, and an underlying database 12 . The investor's securities account corresponding to the inventory data 11 belongs to the investor. In other words, the inventory data 11 is used to record the investment targets currently held by the investor. In addition, in this embodiment, the inventory The investor's securities account corresponding to the data 11 is opened for the investor by the securities institution to which the dividend calculation system 100 belongs. Therefore, the inventory data 11 is obtained by the processing unit 2 based on the investor's Resulting from trading operations carried out in securities accounts (i.e. buying or selling investment targets), but is not limited to this. The inventory data 11 includes, for example, a plurality of inventory details 111. Each inventory detail 111 includes an inventory quantity, where the inventory quantity is the number of shares of the corresponding investment target currently held by the investor. The target database 12 includes a plurality of target data 121 corresponding to an investment target and an issuer. The investment target corresponding to each target data 121 may be, for example, stocks or index stock funds (exchange-traded funds, referred to as ETF), and each target information 121 includes a historical ex-dividend record, each historical ex-dividend record includes one or more historical dividend values, and each historical dividend value is the corresponding investment target on a historical ex-dividend date. The amount of cash dividends or the number of stock dividends distributed. In this embodiment, each inventory detail 111 in the inventory data 11 corresponds to one of the target data 121' of the target data 121 (only one of them is shown in Figure 1).

With reference to FIG. 2 , the following explains how the dividend calculation system 100 of this embodiment implements a dividend calculation method.

First, as shown in step S1, the processing unit 2 determines whether the inventory data 11 is in a checked-out state corresponding to the current transaction day. More specifically, the processing unit 2 will automatically determine at a preset time point in each trading day whether the inventory data 11 has been updated to a settled status that can reflect the final transaction result of the current trading day, and, The processing unit 2 may, for example, determine whether the inventory data 11 is in the checked-out state based on a last update time indicated by the inventory data 11, but is not limited to this. If the judgment result of the processing unit 2 is yes, the process proceeds to step S2. On the other hand, if the judgment result of the processing unit 2 is negative, the process proceeds to step S7.

In step S2, once the processing unit 2 determines that the inventory data 11 is in the checked-out state, the processing unit 2 calculates a forecast corresponding to the inventory details 111 for each inventory detail 111 in the inventory data 11. Dividend result or an actual dividend result. With reference to FIG. 3 , the operation method of the processing unit 2 for each inventory detail 111 in step S2 is explained below.

In sub-step S21, the processing unit 2 determines whether the target data 121' corresponding to the inventory details 111 includes a forecast dividend value announced by the corresponding issuer, where the forecast dividend value represents the target data. 121' corresponds to the value of dividends that will be distributed in the next ex-dividend of the investment target. In other words, the processing unit 2 determines the number of dividends that will be distributed next time for the investment target currently held by the investor. Whether it has been announced by the corresponding issuing agency. If the judgment result of the processing unit 2 is no, the process proceeds to sub-step S22. On the other hand, if the judgment result of the processing unit 2 is yes, the flow proceeds to sub-step S23.

In sub-step S22, once the processing unit 2 determines that the target data 121' corresponding to the inventory details 111 does not contain a forecast dividend value, it means that it is currently unable to determine how much dividend the corresponding investment target will distribute next. In this case Next, the processing unit 2 calculates the predicted dividend result corresponding to the inventory detail 111 based on at least the inventory quantity of the inventory detail 111 and the historical ex-dividend record of the target object data 121'. More specifically, in this embodiment, when the investment target corresponding to the target data 121' is a stock, the processing unit 2 can, for example, first calculate the ex-dividend record based on the historical ex-dividend record of the target data 121'. The historical dividend value(s) and the past earnings record of the corresponding issuer are used to calculate a historical average dividend payout rate, and then the historical average dividend payout rate is multiplied by a historical earnings per share of the corresponding issuer last year. Finally, the multiplied result is combined with the inventory quantity of the inventory detail 111 to calculate the predicted dividend result. If the investment target corresponding to the target data 121' is an index stock fund, the processing unit 2 first, for example, first obtains the historical dividend value(s) based on the historical ex-dividend record of the target data 121', and Calculate a predicted yield rate based on one or more historical target prices that are included in the target target information 121' and respectively correspond to the historical dividend value(s), and then calculate a predicted yield rate based on the predicted yield rate, the inventory quantity and a current target price. The predicted dividend outcome. It should be added that the method by which the processing unit 2 calculates the predicted dividend result can be freely changed and adjusted based on past experience in estimating dividends and market changes, and is not limited to this embodiment.

In sub-step S23, once the processing unit 2 determines that the target data 121' corresponding to the inventory details 111 contains the forecast dividend value, it means that the next dividend to be distributed by the corresponding investment target has been determined. In this case , the processing unit 2 calculates the actual dividend result corresponding to the inventory detail 111 based on the inventory quantity of the inventory detail 111 and the forecast dividend value of the target object data 121'. That is to say, the processing unit 2 calculates the actual dividend result based on the forecast dividend value, which indicates how much dividend each unit of the investment target stock can be distributed, and the inventory quantity, which indicates the investor's current holdings.

Referring again to FIG. 2 , after the processing unit 2 calculates the corresponding predicted dividend result or actual dividend result for each inventory detail 111 in the inventory data 11 , the process proceeds to step S3 .

In step S3, the processing unit 2 calculates an estimated total amount of recorded dividends based on the predicted dividend result(s) and/or the actual dividend result(s) respectively corresponding to the inventory details 111, and, In this embodiment, the total amount of dividends expected to be booked is used to represent the total amount of dividends that the investor is expected to receive before the end of the current year, that is, it is regarded as the total amount of dividends expected to be booked for the year. However, in different implementation forms, the estimated total amount of dividends to be booked can also be implemented as a quarterly estimated total amount of dividends to be booked corresponding to the current quarter, or as a half-year expected to be booked corresponding to the current half-year. The total amount of dividends is not limited to this embodiment. More specifically, the total amount of estimated dividends to be booked is calculated by the processing unit 2 adding the dividend amounts indicated by all predicted dividend results and/or actual dividend results. An additional explanation is that those with ordinary knowledge in the field of this new technology should understand that if the total amount of dividends expected to be recorded is used to represent the total amount expected to be received by the investor during the "annual" period, then the total amount of dividends expected to be recorded will be Each predicted dividend result and actual dividend result generated by the processing unit 2 certainly represents the dividends that may or are certain to be distributed by each corresponding investment target within the same "year" period. In addition, it should be understood that even if the ex-dividend system of some investment targets is semi-annual dividend distribution, quarterly dividend distribution or even monthly dividend distribution, this processing unit can still calculate the forecast corresponding to the "annual" period based on its past historical ex-dividend record. Dividend results.

In step S4, when the processing unit 2 receives a future dividend query request from the user electronic device 3 and corresponding to the inventory data 11, the processing unit 2 transmits a dividend calculation information to The user electronic device 3 is for the investor's reference, wherein the dividend calculation information includes the predicted dividend result(s) and/or the actual dividend result(s) and the estimated total amount of recorded dividends. It is worth mentioning that in this embodiment, if the processing unit 2 calculates any actual dividend result in step S2, the dividend calculation information generated by the processing unit 2 will further include a corresponding The dividend reinvestment operation interface of the actual dividend result, wherein the dividend reinvestment operation interface is used to prompt the investor to pre-set the purchase of dividends recorded in the future (equivalent to a dividend account corresponding to the actual dividend result) The same or different investment targets, so as to realize the investment operation mode of using dividends to further accumulate holdings.

In step S5, if the processing unit 2 receives a pair of reinvestment instructions corresponding to the actual dividend results from the user electronic device 3, the processing unit 2 transmits a pair of recommended targets corresponding to the actual dividend results according to the reinvestment instructions. List to the user electronic device 3. The reinvestment instruction is generated by the user electronic device 3 according to the user operation of the dividend reinvestment operation interface. On the other hand, the recommended target list indicates one or more of the target information 121. The investment target(s) corresponding to each of them respectively, and each investment target indicated by the recommended target list indication is regarded as a recommended target in this embodiment. In this embodiment, the processing unit 2 may, for example, select the recommended target(s) from all investment targets indicated by the inventory data 11 . However, in another embodiment, the processing unit 2 may also, for example, select the recommended target(s). The recommended target(s) are selected from all investment targets indicated by the target database 12, and are not limited to this embodiment. On the other hand, the processing unit 2 may, for example, be based on the historical interest distribution rate, historical interest filling rate, average interest filling days, average yield rate, price-to-earnings ratio, return on shareholders' equity, historical dividend payout rate and historical dividend payment rate. One or more parameters such as stock earnings are used to select recommended targets. However, the detailed method for the processing unit 2 to determine recommended targets is not the focus of this patent specification, so the details will not be overly detailed here.

In step S6, if the processing unit 2 receives a reservation order instruction indicating a specified target from the user electronic device 3, the processing unit 2 transfers the dividend account corresponding to the actual dividend result to After establishing an investor's financial account related to the investor's securities account, use the funds in the investor's financial account to automatically execute an automatic order corresponding to the scheduled order instruction and used to purchase the designated target with the investor's securities account. single program. Wherein, the investor's financial account belongs to the investor and is set as a bank delivery account corresponding to the investor's securities account. On the other hand, the designated target can be one of the recommended targets selected by the investor in the recommended target list, or an investment target selected by the investor from the target database 12 through the user electronic device 3 .

In step S7, once the processing unit 2 determines that the inventory data 11 is not in the checked-out state, the processing unit 2 sends a previous dividend information stored in the storage unit 1 to the user electronic device 3, The previous dividend information is another dividend calculation information generated by the processing unit 2 on the previous trading day, which is similar to the dividend calculation information sent by the processing unit 2 to the user electronic device 3 in step S4.

It should be supplemented that although the inventory data 11 is generated by the processing unit 2 according to the transaction operations performed by investors using the investor's securities account in this embodiment, in another implementation state of this embodiment, In this example, the investor's securities account corresponding to the inventory data 11 may also be opened by another securities institution for the investor. Moreover, in another implementation mode, the inventory data 11 is opened by The user electronic device 3 transmits it to the processing unit 2 according to the investor's operation, that is, the processing unit 2 receives it from the user electronic device 3, whereby the investor can transfer it to other securities institutions. The relevant information on the investment objects held in the account is imported into the dividend calculation system 100 to obtain the dividend calculation information from the dividend calculation system 100 .

To sum up, by implementing the dividend calculation method, the dividend calculation system 100 can determine that the target data 121' does not contain the forecast dividend value (that is, it is not yet certain that the corresponding investment target will be allocated next time). How much dividend will be issued), at least calculate the predicted dividend result based on the inventory quantity and the historical ex-dividend record, and then calculate the estimated total amount of recorded dividends for investors’ reference. In this way, even if the investor holds The investment target has not yet announced how much dividends will be distributed next. This embodiment can also estimate the upcoming dividends based on the investor's inventory, which is helpful for investors to make relevant financial planning in advance, so it can indeed achieve the goals of this new model. Purpose.

However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. All simple equivalent changes and modifications made based on the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by this new patent.

100:Dividend calculation system 1:Storage unit 11:Inventory information 111:Inventory details 12:Target database 121:Target information 121’:Target information 2: Processing unit 3:User electronic device S1~S7: steps S21~S23: sub-steps

Other features and functions of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a schematic hardware block diagram for showing an embodiment of the new dividend calculation system and a client electronic device suitable for cooperating with the embodiment; Figure 2 is a flow chart for illustrating how this embodiment implements a dividend calculation method; and FIG. 3 is a flow chart for illustrating the operation of this embodiment in the implementation of the dividend calculation method.

100:Dividend calculation system

1:Storage unit

11:Inventory information

111:Inventory details

12:Target database

121:Target information

121’:Target information

2: Processing unit

3:User electronic device

Claims (5)

A dividend calculation system adapted to cooperate with a client electronic device for use by an investor, and comprising: A storage unit stores an inventory data corresponding to an investor's securities account, and a plurality of underlying data each corresponding to an issuer and including a historical ex-dividend record, wherein the inventory data includes a database corresponding to the underlying data Information on one of the targets and includes inventory details of an inventory quantity; and a processing unit electrically connected to the storage unit and adapted to be electrically connected to the user electronic device; The processing unit determines whether the target data includes a forecast dividend value announced by the corresponding issuer; If the processing unit determines that the target data does not include the forecast dividend value, the processing unit at least calculates a forecast dividend result based on the inventory quantity and the historical ex-dividend record of the target data, and sends the forecast dividend result to The user electronic device; If the processing unit determines that the target data includes the forecast dividend value, the processing unit calculates an actual dividend result based on the inventory quantity and the forecast dividend value, and transmits the actual dividend result to the user electronic device. The dividend calculation system as described in claim 1, wherein each target data also corresponds to an investment target, each historical ex-dividend record includes one or more historical dividend values, and if the target data corresponds to the The investment target is stocks, and the processing unit calculates the predicted dividend result based on the historical dividend value(s) of the historical ex-dividend record of the target target data and a historical earnings per share. If the investment corresponding to the target target data The target is an index stock fund, and the processing unit calculates a predicted yield rate based on at least the historical dividend value(s) of the historical ex-dividend record of the target target data, and then calculates the predicted dividend result based on the predicted yield rate. The dividend calculation system as described in request item 1, wherein the inventory data includes a plurality of inventory details, each inventory detail corresponds to one of the target data and includes an inventory quantity, and, for each An inventory detail. The processing unit determines whether the target data corresponding to the inventory detail includes a forecast dividend value announced by the corresponding issuer. If the judgment result is no, it is based on the inventory quantity of the inventory detail and the The historical ex-dividend record of the target data is used to calculate a forecast dividend result corresponding to the inventory details, and if the judgment result is yes, a corresponding forecast dividend result is calculated based on the inventory quantity of the inventory details and the forecast dividend value of the target data. Regarding the actual dividend results of the inventory details, the processing unit also calculates an estimated total amount of dividends to be recorded based on the predicted dividend results(s) and/or the actual dividend results(s) respectively corresponding to the inventory details, and The estimated total amount of dividends to be booked is transmitted to the user electronic device. The dividend calculation system as described in claim 1, wherein the processing unit also determines whether the inventory data is in a settled status corresponding to the current trading day before determining whether the target data contains the forecast dividend value. After determining that the inventory data is in a settled status, it is determined whether the target data contains the forecast dividend value. The dividend calculation system of claim 1, wherein, after calculating the actual dividend result, the processing unit also transmits a pair of recommended target lists of the actual dividend results to the user electronic device, and the recommended target list indicates Output one or more recommended targets respectively corresponding to one or more of the target data, and if the processing unit receives a reservation order instruction from the user electronic device indicating a designated target, the processing After the dividend account corresponding to the actual dividend result is transferred to an investor's financial account related to the investor's securities account, the unit uses the funds in the investor's financial account to automatically execute an instruction corresponding to the scheduled order. And it is used to automatically place orders using the investor’s securities account to purchase the specified target.

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